| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS BENEFIT SOLUTIONS3 Filed as: CROSS BENEFITS SOLUTIONS | 2367 CONGRESS STREET PORTLAND, ME 04102 | ANTHEM HEALTH PLANS OF MAINE, INC | $3K | $4K | $7K | 5.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $592 | $592 | 1.26% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $1K | $1K | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $569 | $569 | 1.26% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $801 | $801 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $385 | $385 | 1.20% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $258 | $3K | 16.37% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $473 | $473 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $195 | $2K | 11.30% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $375 | $375 | 2.50% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 PO BOX 469 AUGUSTA, ME 043320469 | RED TREE INSURANCE COMPANY, INC. | $1K | — | $1K | 10.04% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $221 | — | $221 | 1.51% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DR STE 2 AUGUSTA, ME 04330 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $186 | $2K | 16.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $355 | $355 | 2.50% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF MAINE, INC | 274 | $127K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 273 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 214 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 213 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 214 | $47K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 214 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.